Landlord insurance

As a landlord, a standard home insurance may not provide enough cover, so that's where landlords' insurance comes in handy.

Also known as buy-to-let insurance, it typically includes buildings insurance to cover against events such as fire, flooding and subsidence. And if you're renting out a furnished property, it's worth considering contents insurance as this can protect everything from your furniture to the TV you provide to your tenants.

When getting a quote for your landlords' insurance, you could add the following extras to your policy:

Cost of repairing damage in an emergency following a gas leak, burst pipe or pest infestation

Accidental damage cover for the building and/or its contents

Legal cover to recoup lost rent

Compensation claims due to tenant injury

Loss of rent in the event the property is left uninhabitable

Loss of income cover if your property is damaged, and your tenants are forced to move out

If you decide to rent out your private home, or are looking to build up your property portfolio, you’ll have a lot of money tied up in the property. So chances are you’ll want that extra protection for your investment.

Although it’s not a legal requirement, standard buildings and contents policies may not provide the level of cover you need. This could mean that your insurer refuses to pay out should you need to make a claim.

If you have a buy-to-let mortgage for the property, some lenders may also specify that you must have at least landlord buildings insurance in place.

So don’t just find the cheapest deal, make sure you check that the policy you want gives you all the protection you need.

You might also be interested in other insurance types

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